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Lupus Health Insurance?

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Old 09-20-2003, 08:40 AM   #1
Join Date: Sep 2003
Location: TX, USA
Posts: 1
zynjyn HB User
Question Lupus Health Insurance?

My mother has had Lupus for 1 year. She is unable to work and is we cannot afford her current health insurance policy. WHAT HEALTH PROVIDER COVERS LUPUS AS A PRE-EXISTING CONDITION?

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Old 09-20-2003, 12:47 PM   #2
Denise F
Join Date: May 2002
Location: Ohio
Posts: 222
Denise F HB User

There are no health insurances that will cover a pre-existing
condition. Most likely she will be turned down for insurance.
If there is any thing you can do to keep the policy she has, do it.
Maybe she could make it more affordable by raising the deductable. The only other thing is if her financial condition
is such that she she has very little she should look into medicade.
Or some other social program. You may have to do some calling around to see what help is available in your state. Social services
in the hospital may be able to give you some info. Unfortunately,
Lupus can be an expensive disease.


Old 09-21-2003, 07:12 PM   #3
Senior Member
Join Date: Apr 2003
Location: california
Posts: 199
Boundi HB User

There is a govt. program that you can get through blue cross I beleive. I will see if I can get the name. And you will no be able to get regular insurance. This govt program is for high risk, pre existing people. Very expensive from what I understand.

Old 09-22-2003, 03:31 PM   #4
Denise F
Join Date: May 2002
Location: Ohio
Posts: 222
Denise F HB User

Yes, I think it's the program that requires Blue cross to have open enrolement once or twice a year for anyone to apply for ins.
I just didn't mention it before because I knew it was costly and that is her problem already with the other ins.
If she wants to move I think there is a state out west that is experimenting with health coverage for all. I don't remember
what state but maybe you could find out by searching online.


Old 09-25-2003, 08:25 AM   #5
Denise F
Join Date: May 2002
Location: Ohio
Posts: 222
Denise F HB User

She might look into disability. I've heard it can take a year or
longer to get on but it's a thought,

Old 09-28-2003, 12:35 PM   #6
Senior Veteran
Join Date: Jun 2003
Posts: 738
AngelaA HB User

There are insurances that cover pre-existing conditions. I have had both United Healthcare and Aetna which both covered pre-existing conditions I have. Some states have laws preventing insurance companies from discriminating.

Old 09-29-2003, 08:20 AM   #7
Denise F
Join Date: May 2002
Location: Ohio
Posts: 222
Denise F HB User

The ones I've come incontact with don't. But the real question is
if you can find insurance that will cover pre-existing will
it be affordable? Probably not.


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